That would depend on the age of the insured, the amount of death benefit opted for relative to premium payments, and the credited return rate on the cash value, correct?

No, it doesn't depend on any of those. The factor you're looking for is the 'death benefit face design.' the choices are increasing, level, or decreasing (or a combination.) For our purposes we are designing for financial performance, with no intrinsic desire to maintain death benefit beyond the legal minimum.